FICA

You possibly could qualify for an FHA mortgage with 3.5% down. There are other factors that go into qualifying other than a credit score and income, however. Feel free to contact me and I can looking into your situation with you.Chad Huffstetler - chad@mortgagewithchad.net

Forgive me as I am not familiar with 100% DAV. I can tell you that if you are VA eligible or the property is a USDA property you can qualify for 100% financing. If not FHA allows up to 96.5% financing. Speak to a local pro to see what your options are.

My guess is that it would not take much to bring your score up a bit where you would have an easier time qualifying for a VA loan. Check out my blog on this site: "First Steps" - you probably just need to pay the balances on the credit cards to less than 50% of the limit. (Over 30% hurts your score, over 50% hurts it even more.) Contact me if I can help; pdumouochel@primelending.com or 843-619-6025 or http://pdumouchel.primelending.com

There are loans out there for 597 credit, but if you can get up to 620 or 640, you may open up even more possibilities. Contact a local mortgage professional and let them work with you to find the best options.

I am assuming disabled veteran? Your credit score is going to cause your problems. You would be well advised to work on improving credit to put yourself into position for the awesome VA loan. Talk to a local mortgage broker for more assistance. Www.VA-IRRRL-Loan-MN.com

Your going about it all wrong.. no one here can say yes or no without looking at your complete profile.. not just a few tidbits.. When a lender looks at your complete package, hundreds of different things are analyzed to determine one's eligibility.. if you want to know for sure, your going to have to do it the old fashioned way.. pick up the phone and call a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

You will likely need to work on your credit score. Based on what you said, there is some missing information as to why your score is under 600. You really want to have a LOCAL Lender in NC review your credit with you. No easy answers in this forum. You deserve to have a Loan Officer review your entire loan application and you want someone who specializes in VA Loans. I have a partner in NC that would be an AWESOME help to you. If you would like their contact information, let me know. =Mike 517.489.2328 msilkworth@unionhomemortgage.com

FHA 3.5% down, or VA, no down, if you are a veteran, should work for you.